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 > RV insurance claim - flood

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midnightsadie

ohio

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Posted: 01/19/23 02:22pm Link  |  Quote  |  Print  |  Notify Moderator

call the main office get your info.curious would reg mh be covered or a trailer type rv. I don,t by the idea its a fw so its not covered,why?

Cummins12V98

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Posted: 01/20/23 07:45am Link  |  Quote  |  Print  |  Notify Moderator

dedmiston wrote:

If it were me I would call Allstate's claims office instead of your agent. The agent is probably right, but might not be. The agents don't have the authority or expertise to approve or deny a claim.


YES, that is what I should have suggested in the first place!


2015 RAM LongHorn 3500 Dually CrewCab 4X4 CUMMINS/AISIN RearAir 385HP/865TQ 4:10's
37,800# GCVWR "Towing Beast"

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nickthehunter

Midwest

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Posted: 01/20/23 08:01am Link  |  Quote  |  Print  |  Notify Moderator

No one anywhere in the world can tell you what "is" or "is not" covered without seeing the declarations page, proof of payment of premium, and a copy of the policy. Any opinion minus those documents is just that "opinion", not to be confused with facts. In short, you're barking up the wrong tree.

RLS7201

Beautyful Downtown Gladstone, MO

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Posted: 01/20/23 09:58am Link  |  Quote  |  Print  |  Notify Moderator

If you feel like you are not being treated well by your insurance company, contact the state insurance agency. They are you advocate.
I have used them here in MO. with positive results.

Richard


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Grit dog

Black Diamond, WA

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Posted: 01/20/23 02:34pm Link  |  Quote  |  Print  |  Notify Moderator

This is turning into total supposition on all our parts as the OP hasn’t provided enough verifiable info to determine. (Likely why he either is or feels like he is getting slighted by the ins co)


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dedmiston

Coast to Coast

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Posted: 01/20/23 02:55pm Link  |  Quote  |  Print  |  Notify Moderator

There's definitely a difference between "I'm sad/mad that I don't have this coverage" and "I paid for the coverage but they're denying my claim". It sounds to me like this falls under the "no coverage" category. It's a shame, but there really isn't anybody to be mad at and there isn't any recourse.


2014 RAM 3500 Diesel 4x4 Dually long bed. AISIN trans & 4.10 rear. B&W RVK3600 hitch • 2015 Crossroads Elevation Homestead Toy Hauler ("The Taj Mahauler") • Hooligan #3

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Cummins12V98

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Posted: 01/21/23 09:16am Link  |  Quote  |  Print  |  Notify Moderator

If you don't have the coverage you think you should then shame on you! You need to be VERY specific of your coverage requirements when getting a price as they will keep it as cheap as they can to get another customer.

Cousin just tole me of how they just spent several hundred dollars on having a new windshield on a newer SUV installed. I said why not turn it on your comprehensive glass coverage. Blank look response! Then I told him it's cheap for $100 deductible. I them told him it only cost me $100 for a $1,500 OE RAM windshield. I'm thinking he called his agent the next day.

Grit dog

Black Diamond, WA

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Posted: 01/21/23 06:37pm Link  |  Quote  |  Print  |  Notify Moderator

It’s unfortunate that some don’t understand or don’t take the time to understand what they’re paying for and/or subsequently get mislead.
And the insurance industry is right up there with takin your money and not giving the best value for it.
Case in point recently, our insurance carrier, been good, no real issues with them, but a rate hike on something prompted me to dig into the whole policy. Hadn’t done that for about 5 years.
Got another quotes for comparison and working with our current company/agent somehow our whole policy went down almost 2 grand per year!

Cummins12V98

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Posted: 01/22/23 11:03am Link  |  Quote  |  Print  |  Notify Moderator

Grit dog wrote:

It’s unfortunate that some don’t understand or don’t take the time to understand what they’re paying for and/or subsequently get mislead.
And the insurance industry is right up there with takin your money and not giving the best value for it.
Case in point recently, our insurance carrier, been good, no real issues with them, but a rate hike on something prompted me to dig into the whole policy. Hadn’t done that for about 5 years.
Got another quotes for comparison and working with our current company/agent somehow our whole policy went down almost 2 grand per year!


They figure at a certain year you really don't pay attention the the policy price and start bumping it beyond the normal cost increases.

Grit dog

Black Diamond, WA

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Posted: 01/22/23 01:33pm Link  |  Quote  |  Print  |  Notify Moderator

Yup 10-4. I find we’re either switching carriers or the existing carrier is making changes every 4-5 years.
Sometimes they’ll play. Sometimes they don’t.

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